The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,781
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,120/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$992/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,243/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,544/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,763
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,936
−HK$1,191/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,431/mo
Deposit HK$5.75M · loan HK$8.63M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,451/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,739
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,426
−HK$1,389/mo
Today · 4.125%
HK$53,815
baseline
▲ 0.50% · 4.625%
HK$56,651
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,630/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,006
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,842
−HK$1,864/mo
Today · 4.125%
HK$62,706
baseline
▲ 0.50% · 4.625%
HK$66,522
+HK$3,816/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,412/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,644
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,404
−HK$1,786/mo
Today · 4.125%
HK$69,190
baseline
▲ 0.50% · 4.625%
HK$72,838
+HK$3,648/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,380/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,105 · Scale 2, in force from 26 Feb 2026)